If you happen to catch COVID-19 whereas travelling exterior of Canada, who pays? It is difficult

6 mins read

The Canadian Press


Printed Friday, November 5, 2021 2:46PM EDT


Final Up to date Friday, November 5, 2021 2:46PM EDT

Many Canadians are itching to journey abroad – or at the very least over the U.S. border – after 20 months caught contained in the nation amid COVID-19 well being measures and journey restrictions.

With the U.S. land border reopening to Canadians this Monday, listed here are some solutions to some key questions:

If I take a look at constructive for COVID-19 earlier than heading again to Canada, what occurs?

Anybody trying to enter Canada should current a PCR take a look at taken 72 hours or much less earlier than the pre-scheduled airplane departure or arrival at a border crossing.

For Canadian residents travelling by land or water, re-entry into the nation is permitted with a constructive take a look at. Nonetheless, border guards will ask a few plan to self-quarantine for 14 days, and will refer travellers to public well being officers for additional steps.

Obligatory spells at quarantine lodges for anybody coming into Canada led to August, however nearly any overland traveller who exams constructive for COVID-19 – or any unvaccinated Canadian – and has no place to remain that may meet self-isolation requirements might be sure for a quarantine facility for at the very least eight days.

The journey from the border crossing to the lodge is paid for by Ottawa, however visitors can be on the hook for journey from the power to their residence, which might be hours away, in accordance with the federal authorities.

And if I am an air traveller who exams constructive?

A adverse take a look at result’s required to enter Canada by airplane.

Journey insurance coverage sometimes will not cowl the journey interruption both.

“In truth, you are going to want an extension in your insurance coverage, if that is even believable. However what will cowl the prices of a resort that you simply’re staying at that might be a whole lot of {dollars} a day?” mentioned Marty Firestone, president of Journey Safe Inc., a Toronto-based firm that makes a speciality of journey insurance coverage.

Some insurance coverage insurance policies have provisions that cowl as much as $150 a day for a person or $300 for a household that has to quarantine, he added.

Does journey insurance coverage cowl the price of a U.S. hospital keep?

Sure. Whereas emergency medical protection that features COVID-19 was arduous to come back by within the early days of the pandemic, most journey insurers now embrace hospital prices tied to the illness.

Firms from Manulife Monetary Corp. to the Canadian Affiliation of Blue Cross supply protection of as much as $5 million for COVID-19-related medical bills for sufferers who’re absolutely vaccinated.

The price of taking a COVID-19 take a look at, which ranges from US$75 to US$300, will not be sometimes reimbursed.

Provincial medical health insurance plans, reminiscent of OHIP in Ontario, usually cowl not more than a fraction of any medical bills incurred overseas, Firestone mentioned.

The federal authorities “is not going to pay your medical payments,” it states in a submit that recommends buying journey insurance coverage. “International hospitals will be very costly and will require instant money cost.”

Journey insurance coverage will be discovered at insurers’ websites, banks, bank card firms or via licensed brokers. The Canadian Snowbird Affiliation recommends a reduced plan for vaccinated voyagers through Medipac Journey Insurance coverage.

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